Rates: Savings

As of July 28, 2010

Type	Minimum Balance to Earn APY	APY*		Minimum to Open
Savings (Share) Account	$25.00	.25%		$5.00
MONEY MARKET ACCOUNT	Minimum Balance to Earn APY	APY*		Minimum to Open
Tier 1	$500 - $2,499.99	.25%		$500.00
Tier 2	$2500.00 - $9,999.99	.35%		$500.00
Tier 3	$10,000.00 - $24,999.99	.40%		$500.00
Tier 4	$25,000.00 - $69,999.99	.45%		$500.00
Tier 5	$70,000.00 and more	.75%		$500.00
CERTIFICATE OF DEPOSIT	Minimum Balance to Earn APY	APY*		Minimum to Open
3 Months	$1,000	.50%		$1,000.00
6 Months	$1,000	.50%		$1,000.00
9 Months	$1,000	.50%		$1,000.00
12 Months	$1,000	.90%		$1,000.00
15 Months	$1,000	.95%		$1,000.00
18 Months	$1,000	1.00%		$1,000.00
24 Months** Bump-up	$1,000	1.50%		$1,000.00
36 Months** Bump-up	$1,000	1.90%		$1,000.00
48 Months	$1,000	2.25%		$1,000.00
60 Months	$1,000	2.75%		$1,000.00
IRA CERTIFICATE OF DEPOSIT	Minimum Balance to Earn APY	APY*		Minimum to Open
12 Months	$500	.90%		$500.00
15 Months	$500	.95%		$500.00
18 Months	$500	1.00%		$500.00
24 Months** Bump-up	$500	1.50%		$500.00
36 Months** Bump-up	$500	1.90%		$500.00
48 Months	$500	2.25%		$500.00
60 Months	$500	2.75%		$500.00
CHECKING	Minimum Average Daily Balance to Earn APY	APY*		Minimum to Open
Checking (Share Draft) Account	$1000	.55%		$5.00

Early withdrawal penalties for CD or IRA CD's account.  Effective February 11, 2009, if your account has an original maturity of one year or less:  The penalty we may impose will equal 90 days interest on the amount withdrawn subject to penalty.  If your account has an original maturity of more than one year:  The penalty we may impose will equal 180 days of interest on the amount withdrawn subject to penalty.

In certain circumstances such as death or incompetence of an owner of a CD, the law may permit the early withdrawal penalty to be waived.

*APY is Annual Percentage Yield

**Bump-Up CD's/IRA CD's:  The Bump-up option may be exercised by CD account holder one time during the original CD term to obtain a future advertised APY.  The "Bump-up" APY will be effective for the remaining term of the original certificate.

Rates Subject to change at any time without notice.

INSURED DEPOSITS

Your savings are federally insured to at least $250,000 and backed by the full faith and credit of the United States Government.  National Credit Union Administration, a U.S. Government Agency.